Skiing, touring, cross -country skiing or tobogganing – for thousands of winter sports enthusiasts, the pleasure on the slopes ends every year in the hospital. Even if not all accidents can be avoided by caution or suitable equipment, the financial damage can in any case be reduced by the correct insurance coverage.
Gabi Kreindl, insurance expert at the Association for Consumer Information (VKI), explains which insurance companies are useful and which you can do without what you can do without.
- Liability insurance the most important: Anyone who causes an accident while skiing, tobogganing or skating may have to pay the loss of a person’s income. This can be financially dangerous. That is why private liability insurance is one of the most important insurance products that you should have, regardless of the winter holiday.
“In Austria, private liability insurance is usually included in domestic insurance and usually applies to the whole family,” says Gabi Kreindl. “It is important that the insured sum is set as high as possible. The lower limit is 1.5 million euros.
- Privé -accident insurance advises: In addition to the liability insurance, the expert advises private accident insurance, which covers permanent damage after an accident. “In this case too, it is very important that the entire family exists and the insured sum is high accordingly, especially with serious disability,” emphasizes Kreindl. “However, private accident insurance is also an insurance company that must be completed in general and not just for a vacation.”
- Who pays for the use of helicopter? Unlike the transport of an injured person in the valley, the transport of the mountain to the valley is not covered by legal health insurance. Here it is worth insurance that covers this damage. This can be given via a private accident insurance, credit card insurance, but also through membership at a director club or an Alpine Club.
- Travel Solid insurance with high travel costs: In certain situations, travel corners can be worthwhile. For package trips it is usually offered on the occasion of the booking. “For families with trips that have been booked long in advance, this can be logical. Because if a child gets sick, the whole family cannot usually take the holiday.
- Ski insurance is superfluous: “The theft of skis is annoying, but does not threaten to exist. In our opinion, the insurance for skis, snowboards or other sports equipment is therefore superfluous, “the expert explains. Apart from the low amount of damage, the difficult processing usually contradicts it; The theft must be displayed. You will also not receive the new purchase, but there is always a deductible.
“In general, we recommend that insurance companies only make insurance cases that can be an existential burden,” concluded the VKI.
Source: Krone
I am Wallace Jones, an experienced journalist. I specialize in writing for the world section of Today Times Live. With over a decade of experience, I have developed an eye for detail when it comes to reporting on local and global stories. My passion lies in uncovering the truth through my investigative skills and creating thought-provoking content that resonates with readers worldwide.
